LivePlan vs Float Cash Flow

Upmetrics

Xero

Intecplan

Upmetrics is modern, AI-powered business plan software that simplifies planning for entrepreneurs and small business owners. Equipped with industry-specific templates, a drag-and-drop builder, and an automatic forecasting tool, Upmetrics helps you create a business plan in less than an hour.


Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Simplify business admin and get a range of financial insights to help you make better decisions for your business.

Inteplan is a Business Plan Software. Generate the financial forecast and the first written version of the project. 5 languages

LivePlan is the business planning and management software created to support the success of small businesses and entrepreneurs. Confidently plan, fund, and grow your business with LivePlan.

Accounting

Activity Dashboard

Benchmarking

Budgeting/Forecasting

Business Plan Templates

Cash Flow Management

Cash Management

Collaboration Tools

Commenting/Notes

Customizable Branding

Customizable Reports

Customizable Templates

Dashboard

Dashboard Creation

Data Import/Export

Data Visualization

Drag & Drop

Expense Management

Financial Analysis

Financial Management

Financial Modeling

Financial Reporting

Financial Templates

Forecasting

For Small Businesses

Goal Setting/Tracking

Graphical Data Presentation

Income & Balance Sheet

Investor Management

Modeling & Simulation

Multi-Company

Multi-Currency

Performance Metrics

Pitch Presentation

Planning Tools

Predictive Analytics

Profit/Loss Statement

Progress Tracking

Project Management

Real-Time Data

Real-Time Reporting

Reporting/Analytics

Reporting & Statistics

Sales Trend Analysis

Scenario Planning

Step-by-Step Wizard

Strategic Planning

Task Management

Third-Party Integrations

Transaction Management

Visual Analytics

"What If" Scenarios

Some reviewers find LivePlan affordable and cost-effective for the features provided, and some users report that its comprehensive tools justify the cost. However, some reviewers feel the subscription is expensive, and some users say recent price increases are drawbacks.

Value for money

Reviews for LivePlan come from a wide variety of industries, including retail (5% of reviewers), information technology and services (5%), and accounting (5%). The most frequent use case for LivePlan cited by reviewers is business plan creation (89% of reviewers).

LivePlan

Web-based

Standard

Premium

Owner-Founder

It can support budgeting, projections, business planning, and funding preparation, which are all important for entrepreneurs who want to grow with more confidence.

LivePlan is helpful because it can guide business owners through the planning process instead of leaving them to guess their way through their numbers.

As the founder of B & D Bookkeeping LLC and the Financial Literacy Foundation, I believe budgeting is one of the most important steps toward financial confidence.

Partner and Principal Consultant

With its user-friendly interface and structured approach, LivePlan made the entire process seamless and efficient, and I was able to create a high-quality plan in just four hours.

Strategy Advisor

Financial planning is one of its strongest areas allowing clear projections realistic scenarios and informed decision making.

Relying on unauthorized charges is a poor business practice. If you cannot handle cancellations online and promptly, then avoid issuing credit cards and stop auto-renewals. When you see there is tons of negative review here and there, you should fix your system.

Overall, I think LivePlan is a valuable tool for business planning and budgeting.

It is not feasible for the small service, trade, or small business owner just starting out.

The way it is now I can only pass this through to my clients that are larger in size.

Finance and Accounting Manager

Flexibility: LivePlan offers a high degree of flexibility, allowing users to customize their business plans to suit their specific need, Ease of Use ,AI Assistance:

The ability to link my Quickbooks account to my LivePlan account provides reality checks.

President

The format was different than the traditional business plan templates I had used in other business development pursuits & LivePlans product required some tweaking.

Director

The customer service representatives have ignored multiple requests to cancel my account and instead claim the issue is being dealt with by another department, that they do not give me any contact details or reference for.  

I am a user of the system and I have really enjoyed it and it helps me in my work developing various consulting projects, but some adjustments are needed and some other features need to be added.

Owner

lack of customization on how to present the date and would like to be able to link a data base.

The AI-powered writing assistant that transforms bullet points into polished, professional content

Manager

The automated financial calculations have made the process significantly faster and more convenient, reducing much of the strenuous work involved.

Managing Partner

I used the platform to gain insights into the various elements of my business plan, pending completion by March 31, 2025.

Licensed Massage Therapist

Live Plan guides you through the process step by step offering outstanding AI assistance that takes your plan to a whole other level.

Technical Director

I would prefer liveplan to have prototype examples of different industry business plans, build in to the development area of the app.  

The subscription price is quite high for ongoing use, making it less accessible for businesses that need long-term planning support.

founder

a bit clunky on admin and not flexible to chage or customize headers we had a diffucult time trying to edit once downlaoded

I use the forecast function for every client to assist in preparing budgets.

My overall experience with LivePlan has been very positive across security value for money customer support financial planning and user interface.

The user interface is intuitive and makes ongoing business management efficient.

I was looking for the ability to save multiple versions of plans for the same business.  

Investment Feasibility Analyst

AI-powered features that speed up plan creation by 10x—a game-changer!

My account was set up with a typo in the email address and no confirmation or verification was required.  

President and CEO

I put in a lot of time, effort and research to write my business plan, and once I finished entering my data, I was very pleased with the outcome.

Founder

It’s so time saving to be able to manipulate figures knowing that the long term effect on your plan is going to be accommodated.

Creating sub plans takes time for creating additional accounting and financial plans.  

I expect a full refund, as my account shows that I haven’t accessed it in the past 30 days; I'm not using your service.

Mill Owner

It allows for several different scenerios and is easy to change numbers as you learn and grow.

owner

Having to type out my buisness plan. and that it is hard to see it as a whole without having to download it.

limited sizes for the images to insert in the pitch

Intuitive and visually appealing interface that makes working with numbers and charts enjoyable.  

Inability to move forecasts into Excel format.

Financial projection tables were simple to use & provided a foundation to approach a deeper dive into financial planning & realities.  

It truly elevates business planning and makes the process smooth, strategic, and stress-free.

The interactive dashboards and AI tools transformed how I approach business planning.

I like the way that it does all of the forecasting and calculations for you.

Co-Owner

I had difficulties in the 3rd year revenue section inputting the month-2-month revenue.

This software makes it easy to forecast and project with the most important element being cashflow.

The benchmark data is very helpful and is now enhanced from prior versions.

I found that I had to re-learn some aspects of the platform if I left off using LivePlan for a while.

Couldn't download & save with the plan coversheet/title page.

I couldn't justify the cost for something that I use once and revisit seldom for small updates.

Mfumu-Mbongi, Founder

There is limited selection for template design.

The templates and financial forecasting tools saved a lot of time.

I am currently having an issue with figuring out how to get the payroll taxes included.

Business Plan Creation

User Interface

Financial Forecasting

Financial Planning

Cancel Account

Investor Plan Sharing

Ease of Use

Template Customization

Pitch Creation

Training and Learning Curve

Mid-size Business

Small Business

Freelancers

Some reviewers find LivePlan affordable and cost-effective for the features provided, saying it saves them money compared to alternatives and offers good value for its price. Some users report that, despite not being the cheapest option, the software’s comprehensive tools justify the cost. However, some reviewers feel the subscription is expensive, especially for one-time or infrequent use, and indicate that ongoing costs can be hard to justify. Some users say the pricing per entity and recent price increases are drawbacks, and they express concerns about paying for features they seldom use.

Palo Alto Software

NetSuite

NetSuite is an AI-powered cloud-based business management suite. It helps organizations streamline their operations and gain real-time insights into their performance. The suite caters to a range of industries such as manufacturing, retail, and professional services.

Sage Intacct

Sage Intacct is a leading provider of best-in-class cloud ERP software, and is the preferred cloud financial management applications for the AICPA.

Prophix One

Prophix allows organizations to automate & integrate their budgeting, planning, forecasting, financial consolidation, & reporting activities on one platform

Use Float to set budgets for expected cash in and out, and track your performance as your forecasts fill up automatically with invoices and bills.

Cash Flow Analysis

Chart of Accounts

Float Cash Flow

Fluidly

Futrli

Essential - For Businesses

Premium - For Businesses

Enterprise - For Businesses

Starter - For Accountants and Bookkeepers

Growth - For Accountants and Bookkeepers

Bookkeeper/Finance Team Member

Not for a more advanced complex company planning but for smaller businesses this can be a valuable tool to understand current and future cash flow.

Department Leader, Accounts & Administration

Real time integration with Xero, allowing for super fast income forecasting, and multiple scenarios that can be modelled quickly & easily.

Accountant

Float cash flow is easy to use and understand as it isn't complex hence making planning for cashflow easier and the customer service is highly responsive

Financial Director

Also, it would be really helpful to have a function that shows your current balance less bills that are due, the current display shows the balance at the start of the day with bills that have been paid as still showing due.

I really like integration between Float and Xero accounting tool, updates are reflected immediately.

I love how easily Float links in with the other software I use, it also makes looking at different scenarios with comparisons easy.

Being able to sort the 'Daily Breakdown' into categories.

Great support from the Float Team, and regular training is on hand, but I found it so easy to use just by watching the intro tutorials.

There is nothing more convenient than float.

Financial Coordinator 

The general look and feel is very simple.

Among reviewers who comment on Float Cash Flow's forecasting, 97% feel positive. Users say the tool makes cash flow forecasting easy, accurate, and visually clear, especially with integrations like Xero. They appreciate scenario modeling and real-time updates. However, some want more customization, better reporting, and additional integrations.

LivePlan vs Float Cash Flow Comparison (2026)

LivePlan

Float Cash Flow

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives